Simple Financials
Income-Expenses=?Safe to Spend
Only for iPhone
Free · In‑App Purchases
iPhone
Finally know what's safe to spend
Simple Financials shows your real available balance — accounting for paychecks, holidays, recurring expenses, loans, and life's surprises.
Built for how your money actually works:
Features:
- Smart Paycheck Tracking
- Current Balance Baseline
Start by entering your current account balance. Everything flows from there — income adds, expenses subtract, and you always know your real number.
- Multiple Income Sources
Enter your standard base pay — then set a reduced amount for days with a holiday or a missed shift. Simple Financials automatically projects the correct paycheck whenever one of those days falls in your cycle.
Add as many income streams as you have — salary, freelance, side income. Each gets its own schedule and amount, all factored into your available balance automatically.
- Annualized Expense Splitting
Set a yearly due date, recurrence frequency, and installment frequency. The app divides the total and shows you exactly what to set aside each month (excluding that amount from your "available" balance) — no surprises when that big bill arrives.
- Loans That Auto-Expire
Enter your installment amount and remaining payment count. The loan disappears from your expense sheet the moment it's paid off — your safe-to-spend number automatically improves.
- See where you stand before you get there
With Daily, Weekly, Monthly, Yearly forecasts for income and expenses you'll know how much you can safely spend now and later, or correct if you see a deficit upcoming.
All forecasts account for holiday pay reductions, loan payoffs, and installment schedules.
Up and running in minutes:
1. Enter your current balance
Type in your account balance right now. This is your starting point — the number everything builds from.
2. Add your income sources
Set up your paycheck(s): base amount, payment cycle, and a reduced amount for short weeks or holidays. Add as many sources as you need.
3. Add your expenses
Bills, subscriptions, annual vehicle registration, property taxes, loan payments — enter each one with its recurrence. For loans, just add the installment amount and how many remain.
4. Know your number
Simple Financials calculates your real Safe to Spend amount — with daily, weekly, monthly, and yearly forecasts, all updated automatically.
Optionally visit www.simplefinancialsapp.com from your tablet, or computer, to input your income, expenses, then export your data, and import it to the app.
Terms of Use / End User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://simplefinancialsapp.com/privacy
*Calculations are best effort, not liable for errors, always validate calculations prior to making financial decisions.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Removed Ai Summary
Improved calculations for: reduced pay based on holidays.
The developer, Joshua Armer, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Joshua Armer
- Size
- 2.9 MB
- Category
- Productivity
- Compatibility
Requires iOS 17.6 or later.
- iPhone
Requires iOS 17.6 or later.
- iPhone
- Languages
- English
- Age Rating
9+
- 9+
- Infrequent
Profanity or Crude Humor
- In-App Purchases
Yes
- Silver Supporter $4.99
- Here's a large coffee $9.99
- Here's a Coffee $4.99
- Spare Change $0.99
- Founder Support - Thank you $19.99
- Bronze Supporter $2.99
- Coffee Supporter $0.99
- Platinum Supporter $19.99
- Platinum Supporter $9.99
- I like it $1.99
- Copyright
- © Joshua Armer 2026